Lumina Wealth Management, LLC

Lumina Wealth Management, LLC is an investment advisory firm based in Wilmington, North Carolina, established in 2017. The firm offers financial planning, portfolio management, general consulting, and outsourced Chief Investment Officer (CIO) services. Lumina is owned by Ashley Doyle and Meredith Koenig, who are the principal advisors. The firm manages assets on both a discretionary and non-discretionary basis, with a focus on developing a Financial Profile and Investment Plan tailored to each client's financial circumstances and goals. Clients may receive financial planning services, including advice on estate planning, risk management, retirement planning, and investment portfolio design. Lumina may utilize Separate Account Managers through a Third Party Wrap Program, such as the Managed Account Select and Access Program sponsored by Charles Schwab & Co, Inc. The firm also provides retirement plan advisory services, acting as a fiduciary under ERISA guidelines. Lumina charges financial planning fees ranging from $750 to $5,000 and portfolio management fees not exceeding 1.25% of assets under management, with a minimum portfolio value of $50,000. The firm operates under a Code of Ethics, ensuring client interests are prioritized, and does not engage in performance-based fees or side-by-side management. Lumina does not vote on client securities and primarily uses Schwab as a custodian for client accounts. The firm's advisors, Ashley Doyle and Meredith Koenig, conduct account reviews at least annually.